Mr. Joel Byers joined MSB Compliance as a BSA/AML Compliance Specialist with 30 years of state financial institution regulatory experience.  His career includes audit examination of money services businesses, lenders and community banks while working within the Georgia Department of Banking and Finance.  Mr. Byers served as a Senior NDFI Examiner and Manager over licensing and examination functions relating to licensed MSBs and lenders.

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Mr. Byers began his career with the Department in 1986 as an examiner in Georgia's Northeast District, where he examined both banks and credit unions. In 1995, he transferred to the Mortgage Division, serving as a mortgage examiner for 10 years before transitioning to the Money Service Business section in 2005. During his time in the MSB section, Joel served as a Supervisory Manager while also performing licensing, examination and industry outreach and training duties. Up until his retirement from the Department, he assisted both the Mortgage and MSB areas with licensing and examination duties. 

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Mr. Byers earned a BBA dual major in Accounting/Finance from the University of North Georgia. He has also been a Certified Fraud Examiner and was the first employee from the Georgia Department of Banking and Finance to obtain this designation.